| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 19 de febrero de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.665610 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 19/2/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 19/2/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 19/2/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,947.4 | 251,361.9 | 414.5 | 0.2 | -47,580.3 | -39,300.3 | 8,280.0 | -17.4 | 203,367.1 | 212,061.6 | 8,694.5 | 4.3 |
| 1. Activo externo 1/ | 250,947.4 | 251,361.9 | 414.5 | 0.2 | 8,221.3 | 14,500.9 | 6,279.6 | 76.4 | 259,168.7 | 265,862.7 | 6,694.0 | 2.6 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -53,801.1 | 2,000.5 | -3.6 | -55,801.6 | -53,801.1 | 2,000.5 | -3.6 |
| II. ACTIVOS INTERNOS NETOS | -67,196.2 | -80,317.2 | -13,121.0 | 19.5 | 482,439.5 | 479,867.1 | -2,572.4 | -0.5 | 332,492.6 | 327,520.1 | -4,972.5 | -1.5 |
| 1. Actividad crediticia | -15,061.6 | -16,413.5 | -1,351.9 | 9.0 | 442,571.7 | 442,847.2 | 275.5 | 0.1 | 427,510.1 | 426,433.7 | -1,076.4 | -0.3 |
| 1.1 Al Sector público neto | -17,119.7 | -18,471.6 | -1,351.9 | 7.9 | 34,243.3 | 32,048.8 | -2,194.5 | -6.4 | 17,123.7 | 13,577.2 | -3,546.5 | -20.7 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 411,655.5 | 2,568.4 | 0.6 | 409,087.1 | 411,655.5 | 2,568.4 | 0.6 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 303,924.8 | 1,479.5 | 0.5 | 302,445.3 | 303,924.8 | 1,479.5 | 0.5 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 107,730.7 | 1,088.9 | 1.0 | 106,641.8 | 107,730.7 | 1,088.9 | 1.0 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,194.1 | -98.3 | -7.6 | 1,299.3 | 1,201.0 | -98.3 | -7.6 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 383.3 | -98.3 | -20.4 | 481.6 | 383.3 | -98.3 | -20.4 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 61,457.4 | -8,498.6 | -12.1 | -30.8 | -14.5 | 16.3 | -52.9 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,754.7 | 10,549.1 | -2,205.6 | -17.3 | -9.2 | -8.7 | 0.5 | -5.4 |
| 4. Otros Activos Netos | 11,080.6 | 6,182.7 | -4,897.9 | -44.2 | -68,636.2 | -68,472.5 | 163.7 | -0.2 | -57,555.7 | -62,289.8 | -4,734.1 | 8.2 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -3,584.1 | 596.0 | -14.3 | -4,180.1 | -3,584.1 | 596.0 | -14.3 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -70,086.4 | -6,871.2 | 10.9 | 29,973.4 | 37,070.0 | 7,096.6 | 23.7 | -33,241.8 | -33,016.4 | 225.4 | -0.7 |
| 7.1 Con entidades públicas | -27,260.4 | -27,711.2 | -450.8 | 1.7 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -27,711.2 | -450.8 | 1.7 |
| 7.2 Otros inversionistas | -35,954.8 | -42,375.2 | -6,420.4 | 17.9 | 29,973.4 | 37,070.0 | 7,096.6 | 23.7 | -5,981.4 | -5,305.2 | 676.2 | -11.3 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,751.2 | 171,044.6 | -12,706.6 | -6.9 | 434,859.2 | 440,566.8 | 5,707.6 | 1.3 | 535,859.7 | 539,581.8 | 3,722.1 | 0.7 |
| IV. DINERO PRIMARIO | 170,987.3 | 160,486.8 | -10,500.5 | -6.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 61,471.9 | -8,514.9 | -12.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 58,990.8 | -8,503.9 | -12.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,466.6 | 5.3 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 14.4 | -16.3 | -53.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,763.9 | 10,557.8 | -2,206.1 | -17.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,304.1 | 10,097.1 | -2,207.0 | -17.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 450.6 | 452.0 | 1.4 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 8.7 | -0.5 | -5.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 115,387.0 | 112,414.8 | -2,972.2 | -2.6 | 216,387.4 | 211,429.8 | -4,957.6 | -2.3 |
| 1. Numerario en circulación | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 112,414.8 | -2,972.2 | -2.6 | 115,387.0 | 112,414.8 | -2,972.2 | -2.6 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 240,322.0 | 2,054.1 | 0.9 | 238,267.9 | 240,322.0 | 2,054.1 | 0.9 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 353,654.9 | 352,736.8 | -918.1 | -0.3 | 454,655.4 | 451,751.8 | -2,903.6 | -0.6 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 33,150.1 | 2,967.6 | 9.8 | 30,182.5 | 33,150.1 | 2,967.6 | 9.8 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 54,679.9 | 3,658.1 | 7.2 | 51,021.8 | 54,679.9 | 3,658.1 | 7.2 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 87,830.0 | 6,625.7 | 8.2 | 81,204.3 | 87,830.0 | 6,625.7 | 8.2 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 99,015.0 | -1,985.5 | -2.0 | 434,859.2 | 440,566.8 | 5,707.6 | 1.3 | 535,859.7 | 539,581.8 | 3,722.1 | 0.7 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 773.7 | 157.7 | 25.6 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,252.0 | 79.3 | 6.8 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,577.3 | 4,192.0 | 56.8 | -.- | -.- | -.- | -.- |